Health Insurance for Low-Income Adults – Medicaid and the Marketplace
Buying health insurance for low-income adults may be difficult, but there are ways to find affordable plans and make sure that you get the care you need. By learning about Medicaid and the Marketplace, you can avoid the costs associated with uncompensated care and find health insurance that suits your needs.
Medicaid
Despite the negative publicity surrounding Medicaid, a number of studies suggest that it can save lives and improve health. Specifically, the Medicaid program provides free health insurance for low-income children, pregnant women, and the elderly. In addition, the program also connects beneficiaries with behavioral health services.
Applicants can apply for Medicaid by mail, by phone, or online. Eligibility is based on a person’s household size and income. People are eligible to receive benefits after the first day of the month in which they apply. However, the benefits usually end when a person no longer meets the eligibility requirements.
Several states have established state-only programs to help low-income people who are not eligible for Medicaid or other state-funded health plans. These programs cover a variety of medical expenses, including preventive care, prescription drugs, and mental health services.
Depending on the state, applicants may need to complete an application and submit a birth certificate. They will then be contacted by a state agency about their enrollment. In some cases, they will need to undergo an appeals process. The federal government will pay the majority of the service costs for low-income adults who qualify for Medicaid under the ACA’s expansion.
The Medicaid program has also been shown to reduce hospitalizations, emergency room visits, and missed school days due to illness. In addition, children who are covered by Medicaid are more likely to graduate high school and attend college.
Marketplace coverage
Those who qualify for Marketplace coverage for low-income adults can receive …
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